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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Typo

Last week was recovery from RSA Conference, which was awesome. Cybercrime and Cloud were the main two themes, and I provided my Dark Cloud: Cybercriminals get Corporate Aware talk which draws upon both. I’m saying recovery, because during the conference one cannot be expected to respond to any emails, so the backlog is huge. Anyway, I’m back and t...

/security

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

e-Invoicing leap in Russia

“Future of E-Invoicing in Russia” took place in Moscow recently. The following was reported: “· Necessary legal aspects must be prepared for e-Invoicing during the first half of 2010 (Russian government position according to the Ministry of Finance report) · Corresponding amendments (#369555) to the article 169 of the Tax Code have been approved al...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

SWIFT - new dimensions in supply chain services

SWIFT magazine painting a wider picture. Only a question of time before TSU and e-invoicing services find each others. It is plain to see that a payment guarantee following on approval of an invoice can be extremely valuable both for the seller (can ship and can use invoice for financing) and buyer (gets the delivery faster – and cheaper financing ...

/payments

Nick Ogden

Nick Ogden Chairman at Ogden Research

UK fraud stats: better but still some way to go

The latest stats on UK fraud from the UK Cards Association provide some interesting food for thought and it is of course excellent to see that UK credit and debit card fraud fell by 28 percent in 2009, compared to the previous year. However, fraud will always move to the weakest area and exponential growth in use of the internet for banking and sho...

/security /payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

All Finnish enterprises signed up for e-invoicing?

Statistics from the banking sector reveals that 129 000 enterprises were signed up last year. Adding a couple of additional months of brisk selling – and those signed up by a good number of non-bank service providers means that then total is now well north of 150 if not 160 000. This represents almost all actively trading enterprises. So now we ca...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Automating away a 1 billion cost in Finland?

The ministry of Employment and the Economy has published an extensive study on cost of administrative burden. Some quotes (my emphasis): "The aim of the study was to chart statutory information obligations based on legislation regulating financial reporting, and to assess the related administrative costs and burden imposed on enterprises. Adm...

/payments

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Students in the Crosshairs

About a month ago I was invited by an English university to talk to computer science students about the state of cybercrime and online banking fraud. The title of the lecture was “Crash Course: How to Become a Successful Online Fraudster”. The lecture was open to the local community, and when I finished about a dozen students grouped around to ask ...

/security

Retired Member

Retired Member 

Dealing with International Fraud - a Few Basics

When we started looking for customers in the first payments startup I worked for, low hanging fruit were obvious. All you had to do to find them was look for a merchant's international shipping policy - or lack thereof - and continue from there. The value proposition we offered, where we would make final accept/decline decisions and insure them, w...

/payments /regulation

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Leading telco in Finland showing the e-invoicing way

Transparent, honest and just pricing gives consumers a chance to act in their own interest. Lower costs for service providers will sooner rather than later lead to improved cost – benefit. To the extent that the rationalization benefits shareholders it is important to remember that the largest shareholders usually are public and private pension sch...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

It is not dematerialization

At the early stage of e-invoicing it was referred to as “dematerialization”. The benefits were seen as coming from not sending paper mail – but electronic mail. Now it has become very clear that the real benefits are in keeping the information in structural form (not de-electronizing it by printing or making it into a PDF-picture) and sending it as...

/payments

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